State Employees CU of Maryland, Inc

LINTHICUM, MD · 2 · Charter #66330 · WWW.SECUMD.ORG
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.8B
89th percentile
Members
268,466
85th percentile
Total loans
$4.5B
91th percentile
Total shares
$4.8B
89th percentile

Profitability

Return on assets
1.01%
50th percentile
Net interest margin
2.98%
36th percentile
Efficiency ratio
52.80%
46th percentile
Non-interest income ratio
21.38%
70th percentile

Capital & Risk

Net worth ratio
10.11%
35th percentile
Delinquency rate
0.67%
57th percentile
Net charge-off rate
0.53%
45th percentile
Loan-to-share
92.93%
59th percentile

Growth

Member growth YoY
2.77%
55th percentile
Asset growth YoY
5.55%
50th percentile
Loan growth YoY
3.88%
42th percentile
Share growth YoY
3.15%
26th percentile

Operations

Members / branch
11,186
80th percentile
Assets / member
$21,510
77th percentile
Field of membership penetration
12.78%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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